Nyob twj ywm ntawm koj txoj kev noj qab haus huv nrog rau cov kev siv mobile
Txhua tus muaj credit score, tab sis dab tsi koj yuav tsis paub yog tias koj tuaj yeem download tau dawb apps rau koj lub xov tooj ( Hauv los sis iOS no ) los soj ntsuam cov qhab nias, ua kev kho thiab ceeb toom thaum muaj ib yam dab tsi tshwm sim ntawm koj daim ntawv qhia - txawm tias thaum nyob ntawm kev mus.
Cov qhab nia Credit
Muaj ntau cov kev pabcuam uas muaj rau kev kawm ntau ntxiv txog qhov uas yuav suav licas rau koj cov txiaj ntsim kev qiv nyiaj thiab qhov txawv ntawm cov zauv txhais tau licas, tiamsis ntawm no yog cov txheej txheem ceev:
- Ib tus qhab nees qiv qhia tias koj "creditworthiness" rau cov qiv nyiaj qiv, xws li cov tsev txhab nyiaj thiab tsev qiv nyiaj txais, raws li koj tus qhab nia credit qhia tau hais tias lub luag hauj lwm koj yuav tau them nrog koj cov nyiaj.
- Ib tus lej dua yog qhov zoo dua; nws 'dhau poob qee qhov ntawm 300 mus 850.
- Cov qhab nia feem ntau siv tau yog FICO score, tab sis kuj muaj lwm yam qauv, xws li VantageScore. Saib cov tshooj no ntawm Debt.org kom paub ntxiv txog cov qhab nias sib txawv.
Hais txog Kev Tshaj Tawm Uas Ntsuam Xyuas Cov Nuj Nqis (Credit) Koj Tsav Ntawv Tshaj Lij
Peb tuaj yeem hais lus yeem hais txog kev ntseeg siab uas tshawb xyuas koj qhov txiaj ntsim ntawm qhov credit los ntawm qhov kev pab xws li Credit Karma (los yog ib yam ntawm lwm cov npe hauv qab) yuav cuam tshuam koj cov qhab-nees. Qhov tseeb yog qhov xyuas qhov koj tus qhab nees yog feem ntau yog suav tias yog "muag nug," txhais tau hais tias nws tsis tas yuav "nyuab rub" ntawm koj daim ntawv tshabxo.
"Txiav rub tawm" (lossis "thov nug") feem ntau tshwm sim thaum koj ua ntawv thov ib daim npav tshiab, thaum koj thov rau cov nyiaj qiv los yog thaum koj thov qiv nyiaj, thaum "mos rub tawm" feem ntau tshwm sim thaum koj khij koj cov qhab nees, thaum ib tus tswv num muaj peev xwm tshawb xyuas keeb kwm yav dhau los lossis thaum koj tau txais kev tso cai rau qiv nyiaj los yog qiv nyiaj.
Tsab xov xwm no los ntawm Credit Karma yog ib txoj haujlwm zoo ntawm kev piav qhia qhov txawv ntawm hom nyiaj nug. Nyob rau hauv txhua rooj plaub, koj yuav tsum tau so kom ntseeg tau tias siv ib qho ntawm cov apps hauv qab no yuav tsis cuam tshuam koj qhov qhab nia credit.
01 ntawm 05
Credit Karma
Platforms: Hauv thiab iOS no
Cov ntsiab lus: Credit Karma yog kab tias qhov kev pab cuam zoo tshaj plaws uas tau txais cov ntawv qhia dawb credit score qhia los ntawm Equifax thiab TransUnion credit bureaus (Experian yog lwm qhov chaw loj). Nws app rau hauv thiab iOS no muab kev ceeb toom rau txhua qhov kev hloov tseem ceeb rau koj daim ntawv tshabxo nuj nqi, thiab yog tias koj pom tejyam teebmeem, koj tuaj yeem xa cov lus tsis txaus siab ncaj qha los ntawm Credit Credit app. Koj tseem tuaj yeem saib xyuas cov ntsiab lus zoo txog qhov koj qhov txiaj ntsim qiv nyiaj qis qis thiab saib tag nrho cov as-qhauj uas tau muab tshaj tawm thiab muaj cuam tshuam rau koj qhov qhab-nees.
02 ntawm 05
CreditWise
Platforms: Hauv thiab iOS no
Txheej txheem cej luam: No app ntawm Capital One yog muaj rau sawv daws, tsis yog cov neeg siv nyiaj hauv tuam txhab. Nws yog ib qho dawb download uas muab qhov hloov tshiab txhua lub limtiam ntawm koj qhov TransUnion VantageScore 3.0 (as opposed to FICO) tus qhab nia, thiab nws muaj xws li qee cov ntsiab lus ntxiv xws li tus credit simulator uas qhia tau tias yuav ua li cas xws li kev them nuj nqi yuav cuam tshuam koj cov qhab nia. Koj tuaj yeem tau txais cov tswv yim rau kev txhim kho koj cov qhab nia, nrog rau kev lag luam-txuj kev ceeb toom rau cov kev hloov tseem ceeb.
03 ntawm 05
myFICO
Platforms: Hauv thiab iOS no
Txheej txheem : FICO cov qhab nias yog cov qhab nia feem ntau siv los txiav txim siab txog koj qhov kev lees paub, yog li ntawd nws yog qhov zoo tshaj plaws kom muaj ib lub tswv yim ntawm qhov chaw koj sawv. Yog tias koj muaj subscription myFICO los saib xyuas koj tus qhab-nees thiab tau txais cov ntaub ntawv (pib ntawm $ 29.95 tauj ib lub hlis), qhov kev pub dawb app no yog ib qho yuav tsum muaj. Nws qhia koj txog FICO tus nqi tam sim no thoob plaws peb lub chaw qiv nyiaj (credit bureaus) thiab tseem qhia tau tias lawv tau hloov li cas ntawm lub sijhawm. Lub app xa cov ntawv ceeb toom thaum koj muaj kev hloov tseem ceeb rau koj daim ntawv qhia, xws li cov lus nug tshiab lossis nce / txo ntawm koj tus qhab nia.
04 ntawm 05
Kev kawm
Platforms: Hauv thiab iOS no
Txheej txheem cej luam: Raws li ib qho ntawm peb qho chaw ceev nyiaj qiv nyiaj rau credit card, Muaj kev paub zoo tshaj plaws muaj qhov credit card app ntawm nws tus kheej. The Experian app muab koj cov qhab nees, uas yog kho txhua txhua 30 hnub, ntxiv rau cov ntsiab lus hais txog cov credit card account, cov nuj nqi them thiab txog qhov koj cov credit card muaj feem xyuam rau koj cov qhab nia.
05 ntawm 05
Credit Noob
Platforms: Hauv thiab iOS no
Txheej txheem cej luam: Credit Soundame's app muab saib dawb ntawm koj tus qhab nia siv credit VantageScore qauv ntawm TransUnion. Koj kuj tau txais daim npav qhab nias qhab nees, nrog cov ntawv qhab nia muab rau tej yam xws li keeb kwm them nuj nqis, kev siv credit thiab lub hnub nyoog credit. Koj yuav tau txais qhov kev cia nyiaj-hloov kev ceeb toom thiab. Ib qho ntawm qhov txawv tshwj xeeb yog Kuv Cov Nyiaj Qiv Siab, uas yog cov chaw ua haujlwm tau txais nyiaj ntau npaum li koj tuaj yeem nkag tau raws koj cov qhab nia thiab cov ntaub ntawv tus account. Qhov cuab yeej no kuj pom zoo kom muab cov yas qiv nyiaj, cov nqi tsev yuav tsev thiab cov kev xaiv ua kom rov qab.